AAA Insurance is here to protect the things that matter most to you. With built-in discounts for loyal AAA members, home ownership and more, we're here to help keep you—and your wallet—protected.
Concierge-Level Claims Service
What really distinguishes one insurance policy from another is the company that stands behind it. AAA Insurance claims service has earned a reputation of excellence.
- Ability to report a claim 24 hours a day, 7 days a week, 365 days a year.
- Same-day response from a claims adjustor.
- Payment of comprehensive and collision claims within 3 days.
- Proactive claim updates to keep you in the loop.
- Guaranteed repairs for the life of the vehicle you own when you use one of our
Preferred Body Shops.
- In the event of total loss, our AAA Auto Buying service can quickly and easily find you a new vehicle.
Local Representation and Service
Choosing AAA Insurance means you choose a company that is in your neck of the woods. We are headquartered in Charlotte, NC. Claims adjusters, service agents, and executive management are located right here in North and South Carolina and can quickly meet your needs at any point of the insurance process.
Below are some of our different coverage types. Different coverages can affect your premium (how much you pay every month) and your deductible (how much you pay when you file a claim). Higher deductibles can lower your premium but increase the amount you'll have to pay out of your own pocket in case of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums.
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Medical Payments Coverage
Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you're sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover. Liability Property Damage covers damage to property and loss of its use.
Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost, but potentially give you more protection in case of an accident. Since it's impossible to know the most you'd have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you'd be able to afford any damages that exceed your insurance coverage. The higher your limits, the more likely it is that we'll be able to pay all of the damages for you. Limits higher than the state minimum might be the best choice for you.
Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.
The coverage is not required by most states, but it provides great coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays, so this coverage can pay from the first dollar of incurred, covered expenses.
Collision Coverage is subject to a deductible, and will pay for damage to caused by:
- Collision with another vehicle
- Collision with an object
- A vehicle rollover
Uninsured/Underinsured Motorist Coverage
This coverage helps pay for damage to—or loss of—your vehicle (except for collisions or vehicle rollover - that falls under Collision coverage). It is subject to a deductible and typically covers the following:
- Hitting an animal
Extended Transportation Expense
Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.
In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.
This is commonly referred to as "Rental Reimbursement." Suppose your car is in the shop after a covered loss: rental reimbursement pays the cost of renting a replacement vehicle so you don't have to interrupt your daily routine. Daily allowances or limits vary.